Tax optimization is huge, a major advantage of real estate, but I think it works in conjunction with cash flow and appreciation as in a 3 legged stool.If you have a spouse that can meet the real estate professional requirements while the other brings in a healthy W2 income you can really supercharge things.

In our case, durability, ease of maintenance, and inspection consistency tend to outweigh design trends, especially when you’re optimizing for long-term cash flow and fast turns.Appreciate you adding the perspective.

If you don't know exactly what I said like were discussing a McDonalds menu, no, get stocks and Wall Street off the table. 

The margin for error is smaller, so being strategic and creative around the buy matters more than it did a few years ago.California vs out-of-state isn’t really a “beginner” question as much as a goal question.California usually means higher prices, lower cash flow, more complexity — but long-term appreciation and leverage can make sense if that’s what you’re optimizing for.

I know paying off debt isn’t the most “optimized” move on paper, and I may change course again down the road.

If you see a BP user that is advocating BRRRRs, open their profile and see if they have done a single brrrr since 2022.Doing a DSCR loan for short duration on a property in need of rehab is typically not optimal and may be challenging.  

Policy loans are generally not taxable, as long as the policy stays in force.When you reinvest in a new property, consider a few key tax strategies to keep your returns optimized.

Along the way, I have encountered many lessons from the school of hard Knox & achieved a self educated MBA (Management by Absence) degree in overall business, investment, real estate & strategy to be fully optimized to help others succeed in the business.I don’t promote that much, but I primarily help service other investors with their wealth strategies, business/personal optimization goals, credit, coaching, acquisitions, operations, lending/financing & more.

Based inSan Diego, building a focused fourplex portfolio in Indianapolis.Investment Criteria:Target: 6-7 fourplexes by 2030Capital: $120K initial + $3Kmonthly contributionsStrategy: BRRRR with professionalteams (not doing work myself)Target neighborhoods: NearEastside, Martindale-Brightwood, Twin AirePurchase range: $180K-$220K with $50K-$65K renovation budgetsWhy Indianapolis: After analyzing 15+markets, Indianapolis offers the optimal combination of:Strong fundamentals (job growth,median income $71K)Abundant fourplex inventory atreasonable entry pointsLandlord-friendly regulationsSustainable cash flow with appreciation potentialSeeking Professional Relationships: 1.

On the contrary, he seems like your regular, friendly 'wealthier than me' neighbor.I am definitely not trying to dispute your suggestion that the original author of this post throw caution to the wind without approaching his decision with careful optimism.